Panel discussion.
• What is going on in the market: is it telecom vs payment sector or the merging process beginning?
• Do we have to deal with "2.0 payments" with additional services in it in order to remain attractive on the payments market? Where are we at the moment?
• Whose input is the key mobile component driver: infrastructure and Operators’ services or hardware vendor solutions?

Panel discussion.• What is the form of banking and payment services for mobile phones migrating? • What are the new open opportunities for banks and payment systems with the advent of smart phones? • Who will get the benefit from the migration of customers to smart phones from the Internet?• NFC, do we have any real alternatives?